◆ Can I open a bank account for people with bad credit?
In conclusion, you can open a bank account for those with bad credit ^^
But the problem is, because there is a risk of seizure, it is usually not made under one’s own name.
I think I’m going to ask my family or close acquaintances.
Tips for opening a bank account for people with bad credit
◆ Use credit union or Saemaul Geumgo?
If it is operated under the concept of a cooperative like the unit agricultural cooperatives, it is difficult to find them through debt collection in reality (at least) when opening a bankbook for bad credit. Debt collection means that you select one bank and apply for foreclosure, and if you want to use it at any branch of the country where the bank is located, the payment of the passbook will be suspended. Therefore, it is safer to use a credit union or Saemaeul safe to avoid foreclosure.
◆ A collection of questions and answers for questions about opening a bank account for people with bad credit 신용불량자 통장개설
Question 1. Hello, I have bad credit due to bank bonds. It is also difficult to open a bank account, so I have to work part-time. 좋은뉴스
A: Of course, even people with bad credit can open a bank account. However, do not use it as a bank where you had past debts. We recommend that you use Saemaul Geumgo or credit union if possible.
Question 2. My business went bankrupt and I was unable to repay the loan from the customer and the bank, so I went out of business. The bank account was seized. All the passbooks in my name have been seized. If so, I wonder if it is safe to create a passbook at another bank and keep the balance while only using deposits and withdrawals.
Answer: Usually, the bank account is seized & suspended, so it cannot be used. Even other banks can take legal actions such as foreclosure at any time. If possible, it is better to open a post office account and do Internet banking. I don’t know much about banking.
Question 3. If the parents have bad credit, can the foreclosure be entered into the children’s accounts?
In the case of garnishment or debt collection, there is no harm to children because it can only be taken on the person responsible for the debt, that is, the debtor.
Question 4. It has been an accident account in the past due to some kind of problem. I didn’t receive the verdict due to circumstances.. I recently went to Saemaul Geumgo and was rejected because I had a history of cannon bank accounts. I need to create a bank account to receive my salary, but what should I do in this case?
A: You have to solve the case first. You will need to get the judgment from the court and get it confirmed at the bank so that you can open a bank account later. The current situation is the same anywhere else.
Question 5. I applied for bankruptcy due to fraud, but I am not discharged and I am currently living as a bankrupt. The four major insurances are essential to get a job, so I don’t have any income at the moment, and I’m living with someone I know and I have debts. I am bankrupt, can I open an Nonghyup bank account?
A: The reason why the regional Agricultural Cooperatives are known to be safe in foreclosure is that seizure is possible only when the relevant branch is specified. In the case of the central association or the 1st financial sector, if the seizure proceeds at the head office regardless of the opening point, the entire account will be seized regardless of the bank in any region. You can be free from seizure.
Question 6. I got a loan from a lender other than the 1st financial sector such as the Nonghyup, Kookmin, or Woori Bank. Can I open a bank account?
A: It is possible to open a bank account. As mentioned above, try using the unit agricultural cooperatives or credit union Saemaul Geumgo.
Question 7. I am a believer who is retiring this time. I need to open my severance pay as one financial institution through an IRP account. Will all my severance pay be confiscated? It is said that opening a bank account must be one financial institution. The payroll account is the credit union and Saemaul Geumgo.
A: When severance pay is paid, there is a way to open a new account at one of the banks with no debt and receive the severance pay into the newly created passbook. Even if it has been seized in the past, the newly created account after the foreclosure is not applied. Therefore, it seems to be a good idea to create a new one at the time of retirement payment, receive the money and withdraw it immediately.
Question 8. It’s been a while since my bankbook was confiscated. If I open a Kakao Bank, won’t it be seized?
A: Kakao Bank is also seized just like the 1st financial sector. If you have an income, you can apply for seizure and prohibition of dunning through personal rehabilitation. If you do that, you will not be seized even if you open a bank account, so please be sure to find a way.